Most Americans believe retirement planning is about either saving enough to live on or leaving something behind. But what if you could do both, and do it better than Wall Street’s “just invest” advice? In this episode, we break down why traditional retirement strategies, such as “buy term and invest the rest,” often fail to deliver. Backed by an EY research study, we reveal how combining permanent life insurance (PLI) and deferred income annuities (DIA) creates tax-efficient growth, guaranteed income in retirement, and a lasting legacy.
What You’ll Learn: ✔️ Why investment-only retirement plans often fall short ✔️ How life insurance + annuities outperform Wall Street’s advice ✔️ The “sweet spot” formula: up to 30% PLI + 30% DIA ✔️ Why it’s never too late, whether you start at 25, 35, or 45 ✔️ How this connects with Infinite Banking principles to build long-term wealth
Chapter: 0:00 - Rethinking retirement: saving vs. leaving a legacy 0:15 - Ernst & Young study on insurance in retirement planning 1:05 - Who Ernst & Young are and why their research matters 3:19 - Life insurance & annuities vs. investment-only strategies 5:07 - Explaining permanent life insurance and annuities 8:04 - Retirement savings gaps and risks by 2030 12:01 - Real-life financial struggles and debt examples 14:07 - Five retirement strategies compared in EY’s analysis 19:20 - Which strategies actually outperform 23:29 - Why integrated insurance strategies work better 27:03 - EY’s “sweet spot”: 30% life insurance + 30% annuities 29:22 - Fan follow shoutout: Robert Kindt 30:24 - Call to action: free cash consultation
Links: Benefits of Integrating Insurance Products into a Retirement Plan How life insurers can provide differentiated retirement benefits If you're ready to learn more about the Infinite Banking Concept (and put JDew to the financial advisory test), you've got to watch our full Save & Spend Presentation and then schedule your FREE call with us at: https://thebankingbros.com/save-and-spend-system-podcast-link If you're interested in the source material (we didn't come up with this!), we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6 You can learn more about us at: https://thebankingbros.com/save-and-spend-system-podcast-link Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros
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